Plan Year July 1, 2020 June 30, 2021 Agenda Alexander County - - PowerPoint PPT Presentation

Plan Year July 1, 2020– June 30, 2021

Alexander County

 2020-2021 plan year benefits overview  What do I need to do during annual enrollment?  How do I enroll?  Details on plan options  Communications and resources

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Agenda

Alexander County

• Medical Plan will continue to be administered by BCBS of NC
• Dental Plan will be administered by Ameritas NEW
• Vision Plan will be administered by Community Eye Care NEW
• Basic Life and AD&D will be administered by UNUM NEW
• Voluntary Life and AD&D will be administered by UNUM NEW
• Voluntary Benefits will continue to be offered by Colonial
• Specified Disease Insurance
• Cancer Insurance
• Accident Insurance
• Disability Insurance
• Hospital Confinement Indemnity Insurance
• Term Life Insurance
• Whole Life Insurance
• Ameriflex Spending Accounts (FSA)

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2020-2021 Plan Year Benefits Overview

Alexander County

• Review all of the Alexander County benefit highlights and cost for

the new plan year

• Review current coverage elections
• This is a passive enrollment. You DO NOT need to enroll UNLESS

you are making a change to your current election, dropping or adding coverage, or re-enrolling .

• Employee who wish to enroll or re-enroll in their Flexible Spending

Accounts must make their election during open Enrollment.

• Current FSA accounts do not rollover.
• Enrollment changes must be completed and delivered to Human

Resources by the close of business on Sunday, May 22nd, 2020.

• Become familiar with the Alexander County Benefits Guide!

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What to do during annual enrollment?

Alexander County

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When Do You Need to Enroll? Annual Enrollment: May 4st through May22nd New Hires:

 You and your dependents become eligible for Alexander

County benefit plans on the 1st of the month following 30 days of continuous full-time employment.

 If you do not enroll in your benefits within the first 30 days

from your benefit eligibility date, you will have to wait until annual enrollment at the end of the year to elect benefit. (Unless you have a qualifying life event)

Alexander County

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Cafeteria Plan – Section 125

A Cafeteria (or Section 125) Plan allows you to pay for certain benefits with pre-tax income. The premiums are deducted from your pay before your taxes are calculated, reducing your taxable income. Alexander County’s Cafeteria Plan includes: Medical & Dental Because the IRS governs the pre-taxing of benefits, your benefit elections and payroll deductions are binding for the entire plan year (July 1 – June 30) unless you experience a Qualifying Event

Qualifying Status Changes Include:

• Marriage or divorce
• Birth or adoption of a child
• Death of spouse or dependent
• Change in work status or employment status
• f you, your spouse or dependent (full-time to

part-time, termination, new job, etc.)

• A dependent no longer qualifies for coverage
• Unpaid leave of absence by you or your

spouse

• Significant change in health coverage

due to your or your spouse’s employment

• Loss of health coverage due to residence
• r worksite change for you, your spouse,
• r dependent

You have 30 days from the date of the life event to submit an enrollment change form and documentation of the event to HR. If you pass your 30 day window, you must wait until the next annual enrollment period to make a change to your elections.

Alexander County

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Communication: Employee Benefit Guide

Alexander County

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Wellness Credit Incentive

The wellness program for the 2020-2021 plan year includes the following requirements to receive the wellness incentive credit of $50per pay period beginning July 1st, 2020, which equates to a $1,200credit for the plan year:

• 1. Health Screening - Completed onsite
• r by primary care physician.
• 2. Health Assessment (BCBS Website)

Completed online by March 31, 2021

Note: $50 Credit is applied to insurance contribution.

REQUIRE REMENTS A ARE RE F FOR E R EMPLOYEES O ONLY!

Alexander County

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BCBS of NC

Visit www.bcbsnc.com to locate in-network providers

PPO Plan In Network Out of Network Annual Deductible (Individual/Family) $2,500/$5,000 $5,000/$10,000 Coinsurance 20% after deductible 40% after deductible Annual Out-of-pocket Maximum (Individual/Family) $4,000/$8000 $8000/$16,000 Preventive Care Covered at 100% 40% after deductible Office Visits Telemedicine* Primary Care Specialist Urgent Care $10 copay $30 copay $40 copay $50 copay N/A 40% after deductible 40% after deductible $50 copay Hospital Services Inpatient Outpatient 20% after deductible 20% after deductible 40% after deductible 40% after deductible Emergency Room $500 copay (waived if admitted)

Reduced Deductible and Out-of- Pocket MAX

Alexander County

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Preventive Care

Covered 100% at your in-network provider’s

• ffice*:

Well baby and well child care Routine physicals Routine screening tests Immunizations

For a list of covered preventive care services: www.bcbsnc.com/preventive

* Preventive care services received from an in-network provider in an office-based, outpatient or ambulatory surgical setting or urgent care center are covered at 100%. For a list of covered preventive care services refer to your benefit booklet or www.bcbsnc.com/preventive. Certain preventive care procedures are only covered in-network. Gynecological exams, cervical cancer screening, ovarian cancer screening, screening mammograms, colorectal screening, bone mass measurement, newborn hearing screening and prostate specific antigen tests (PSAs) are covered

• ut-of-network at 70% after you meet your deductible.

Alexander County

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Telemedicine – Teladoc

Teladoc provides a national network of U.S. board-certified doctors available 24/7/365 to resolve many of your medical issues. It’s quality care when you need it at a price you can afford. How Much Does a Teladoc Virtual Visit Cost? $10 per visit for (acute care visits) Get the care you need

Teladoc doctors can treat many medical conditions, including:

• Cold & flu symptoms
• Allergies
• Pink eye
• Respiratory infection
• Sinus problems
• Skin problems
• And more

Talk to a Doctor Anytime Less than an a doctor visit, urgent care and ER visit. Acute Care Virtual Visits

Alexander County

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Telemedicine - Teladoc

Common c conditions t treated:

• Anxiety
• Depression
• PTSD
• Stress
• Panic Disorder
• Family/marriage issues
• Grief
• Eating disorders
• Substance abuse
• Trauma resolution
• Work pressures
• ADHD

Behavioral Health Virtual Visits You have access to high quality care with board-certified psychiatrists, licensed psychologists, or licensed therapists. You can book appointments with ease and build ongoing relationships with mental health professionals of your choice - without having to travel to or wait at the provider’s office.

Cost of

• f B

Behav avior

• ral H

l Healt alth P Prov

• vid

ider Vis isit it Fe Fee

Initial Psychiatric Visit* $200 Ongoing Psychiatric Visits for Individual/Family $95 Initial Therapist Visit $90 Ongoing Therapist Visits $85 * Average wait time to schedule initial visit is 5 days.

Alexander County

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Prescription Drug Plan

Your Pharmacy benefits are administered by BCBS of NC

Tier 1 Tier 2 Tier 3 Tier 4

$5 $20 $40 $75 $15 $60 $120 $225

Please visit www.bcbsnc.com for details of the drug plan including mail order prescriptions.

Retail (30 day supply) Mail Order (90 day supply)

Alexander County

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Dental Plan - Ameritas

Important: You may seek treatment with any dental provider. However, there are advantages to visiting a dentist in the Ameritas network. 1) No balance billing from provider and 2) Negotiated discounted price.

www.Ameritas.com

Dental Blue In Network Out of Network Annual Deductible (Individual/Family) $50/$150 $50/$150 Annual Maximum (Per Person) $1,000 $1,000 Preventive Care (Routine Cleaning and X- rays) Covered 100% Covered 100% Basic Services (Fillings, Basic Root Canals) 20% after deductible 20% after deductible Major Services (Extractions, Crowns) 50% after deductible 50% after deductible Orthodontia (Children up to age 19) 50% after deductible 50% after deductible Orthodontia Lifetime Maximum (Per Person) $1,000 $1,000

Alexander County

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Vision Plan – Community Eye Care

To search for in- network providers go to www.cecvision.com

Vision - In Network Benefit Description Co-pay Exam A routine eye exam once a year* $10 Eyewear A $150 flexible allowance for eyewear annually* You can get frames, lenses, contact lenses & lens enhancements --- even non-prescription sunglasses! $25 Contact Lens Fitting, Re-Fit or Evaluation Once a year* $25 Frequency All benefits renew every 12 months Additional Savings Through In-Network Providers Members who exceed their allowance are eligible for discounts on the overage at most network providers–a20% forglassesanda10% discount for contactlenses * Members are eligible for their benefits every plan year. Members are not required to wait until the prior plan years’ service date has passed to obtain their current benefit.

CECallows you touse your full benefit whenvisiting an out-of-

• networkprovider. You’ll need to

submit an out-of-network claim formand willbe reimbursedfor the costofthe exam (minus the co-pay) and for thecostof the eyewear,upto theamount of theeyewearallowance (minus theco-pay).

Alexander County

• Used to pay for eligible medical, dental, prescription drug, vision and

hearing expenses not covered by other plans

• $500 annual minimum and $2,750 annual maximum
• Use it or lose it! If you do not incur qualified expenses eligible for

reimbursement by September 15, 2021, and/or file for reimbursement by September 28, 2021 your unused contributions are forfeited over $500. You can rollover up to $500 into the next plan year.

• Your elected amount is deducted from pay prior to the calculation of

taxes

• Your full election amount is available Day 1 of the plan year
• Enrollment in your FSA will be available when you meet with your

Colonial representative.

• You must re-enroll each year in order to participate

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Health Care Flexible Spending Account

www.myameriflex.com partners with

Alexander County

• Used to pay for eligible day care expenses for children or disabled

adult dependents

• $5,000 annual maximum ($2,500 maximum if married and file

separate tax returns)

• Use it or lose it. If you do not incur qualified expenses eligible for

reimbursement by September 15, 2021, and/or file for reimbursement by September 28, 2021 any excess contributions are forfeited.

• Elected amount is deducted from pay prior to the calculation of

taxes.

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Dependent Care FSA

www.myameriflex.com

Alexander County

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UNUM: Basic Life and AD&D

• Basic Life and AD&D Insurance: (County paid)
• Benefit eligible employees receive a flat $12,500 benefit. No cost to you!
• Your benefit reduces by 50% at age 70.
• Voluntary Life and AD&D Insurance (Employee Paid)
• You: 5X salary in increments of $10,000 up to $500,000. Guarantee Issue

$200,000.

• Your spouse: Lesser of 100% of employee benefit or $500,000 in

increments of $5,000. Guaranteed Issue $30,000.

• Your child(ren): Lesser of 100% of employee benefit or $10,000 in

increments of $5,000. Guaranteed issue is same as coverage. Birth to 6 months: $1,000.

Guaranteed Issue: Available for new hires who enroll in the first 30 days of employment. Guaranteed Issue is the amount of insurance available to you regardless of health status. Increases in coverage

• r coverage for late entrants requires completion of an application

and must be approved by UNUM.

Alexander County

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Voluntary Benefits – Colonial Life

Voluntary benefits are designed to complement your health insurance and help provide extra financial protection. This year, your employer is helping you protect your way of life by giving you the opportunity to purchase the following voluntary benefits from Colonial Life: · Accident Insurance · Cancer Insurance · Specified disease insurance · Disability insurance · Hospital confinement indemnity insurance · Term life insurance · Whole life insurance · Ameriflex Spending Accounts Colonial Meetings in-person or phone visits are tentatively scheduled for the week

• f May 18 - 20, 2020.

Hope Reynolds 828-320-0888 Hope.Reynolds@ColonialLifeSales.com

Alexander County

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Employee Assistance Program

To Schedule an Appointment

If you or family member need help, call the Hickory main office to schedule a private appointment or answer any questions.

(828) 322 - 9130

Office Hours: 8:30 am to 5:00pm M-F Evening appointments available M, T, And W If you need to talk to a counselor after hours, please call (828) 322-9130. Our counselors are

• n call 24/7.

STRICTLY CONFIDENTIAL

The employee assistance program provides free, confid idential ial, professional assistance to help employees and their families resolve problems affecting their personal lives or job performance. In addition to being confid idential al, the program is voluntary—it’s designed to allow employees or anyone living with an employee to seek help on their own. Typical problem area are:

• Marriage Difficulties
• Alcohol & Drugs
• Stress/Anxiety
• Communication Issues
• Vocational
• Depression
• Parent/Child
• Anger Management
• Legal
• Financial
• Medical
• Sleep Difficulties

The c county c covers t the f first f five ( (5) v visi sits f for free ee when y you s say y you a are w with A Alexander c county.

Alexander County

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Retirement Plans – 457(b) & 401(k)

Your 457(b) deferred compensation plan is with Nationwide. Your 4 401(k) q qualified r retirement p plan i is w with Prud udent ntial

A 457(b) deferred compensation plan is a retirement plan offered by your employer, created to allow public employees like you to put aside money from each paycheck toward retirement. A 401(k) plan through Prudential with a wide variety of investment options to help you prepare for retirement.

Coleen Heptig 704-775-0760 heptigc@nationwide.com Tom Bussard 877-677-3678 x-48746 bussart@nationwide.com Donny Dutton Retirement Education Counselor 336-209-3507 Donny.Dutton@prudential.com

Alexander County

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Coverage Costs

The employee contributions listed below will be effective July 1, 2020.

Coverage Tier BCBCNC PPO Plan Employee Only $0.00 Employee + Spouse $274.34 Employee + Child $84.77 Employee + Child(ren) $235.65 Employee + Family $550.56

Per er p paychec eck - Medic ical

Coverage Tier Ameritas Dental Plan CEC Voluntary Vision Plan Employee Only $0.00 $0.00 Employee + Spouse $14.27 $2.48 Employee + Child(ren) $12.67 $2.76 Employee + Family $39.12 $5.35

Per er p paychec eck – Dental a and V Vision

COSTS Rates Age Range < age 20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75-79 80< Child Rate Employee Spouse per $1,000 per $1,000 $0.051 $0.051 $0.051 $0.051 $0.056 $0.056 $0.070 $0.070 $0.097 $0.097 $0.107 $0.107 $0.120 $0.120 $0.125 $0.125 $0.148 $0.148 $0.240 $0.240 $0.471 $0.471 $0.937 $0.937 $2.784 $2.784 $2.784 $2.784 $0.130

Pre p e paychec eck – Voluntary L Life a and A AD&D

Alexander County

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Important Reminders

Alexander County Human Resources Department Kim Stine: kstine@alexandercountync.gov 828-352-7588 Lesia Breininger: lbreininger@alexandercountync.gov 828-352-7591  Previous elections will automatically rollover with the exception of Flexible Spending Accounts  Enrollment elections must be made for the Flexible Spending Accounts  You will be provided enrollment forms to turn in to Human Resources  Open enrollment is from May 4th - May 22nd https://alexandercountync.gov/departments/human-resources/

Alexander County

The information contained in this presentation should in no way be construed as a promise or guarantee of employment or benefits. The company reserves the right to modify, amend, suspend, or terminate any plan at any time for any reason. If there is a conflict between the information in this presentation and the actual plan documents or policies, the documents or policies will always govern. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plandocuments available fromHumanResources.

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Thank You!